Missouri Cosmetology Insurance

If you are currently practicing cosmetology in the state of Missouri, having a cosmetology insurance policy of your own is a smart decision. Because of the closeness of the majority of cosmetic services, the risk of an accident can never be eliminated. Accidents can happen in or out of your control, and protecting your business and your credibility as a beauty professional is a financially-wise and career-conscious decision.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects you against any claims involving emotional distress or treatment gone wrong. For example, if a hair dye is left on too long and burns the scalp, resulting in bodily injury or financial loss because the client could not return to work for several weeks, he or she can choose to file a claim against you. But, this type of insurance would cover you.

General liability(trip-and-fall scenario): covers you professionally from liability risks. For example, if a client trips on a hair stylist chair and falls suffering an injury, the client could then choose to file a claim against you, but general liability insurance would cover you in this scenario.

Why should I carry cosmetology insurance?

Because beauty professionals rely on various chemicals, electrical beauty tools, hot wax, and numerous other products used to provide beauty treatments, there is high potential for accidents to occur. Because of the variety of services as well as the closeness of the beauty services provided, even experienced beauty professionals can find themselves in a lawsuit.

Whether you offer a client a new high-end moisturizing cream that unknowingly results in a rash on the client’s face or your hand slips while cutting hair and you accidentally cut the client’s ear—you would be saving your reputation and your business by choosing beauty liability insurance coverage.

Cosmetology insurance protects not only your reputation, but also a license and career you worked so hard to obtain. Carrying cosmetology insurance covers your potential legal expenses and gives you stress-free protection against any liability lawsuit that may arise in the future. It is best to be prepared in the case a lawsuit does happen. Don’t let your license or reputation as a professional be at stake.

Missouri Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

If you are at least 17 years old and have completed at least a 10th grade education or equivalent, you are eligible to obtain a cosmetology license in the state of Missouri.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,500 school hours or 3,000 apprentice hours and pass the appropriate theory and practical exams.

Do I need a license to be a cosmetology instructor?

Yes, you need a cosmetology license and need to complete 600 training hours.

Does the state of Missouri require me to complete continuing education units (CEUs)?

No, cosmetologists are not required to complete CEUs.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by September 30 of every odd-numbered year—along with a $30 dollar fee.

Moving to Missouri from another state?

No problem, just make sure you hold a current license in a state with substantially similar or superior requirements. Or, practiced cosmetology for two consecutive years in another state.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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